New York Fall: What's new September 16, 1998 Share 1 -- Gray Line New York offers departures every 15 minutes of its New York loop-route tours in the company's bright red double-decker coaches. The hop-on/hop-off tours include a downtown loop making 25 pick-up and drop-off points, an uptown loop with 20 points, and a combination of the two called the Grand Tour. The loop-tour tickets, which are good for two consecutive days, are $20 for adults and $12 for children under 12. Contact (212) 397-2620 for tickets; (212) 397-2600 for information; www.graylinenewyork.com, or www.sightseeing.com. Theatre Direct International, which has been paying $3 commission on tickets to Broadway plays, now pays agents who purchase cancellation insurance for theater-going clients 10% commission on theater tickets. According to Bob Hofmann, director of sales & marketing, TDI is the first company of its kind to do so. Cancellation insurance costs $5 per ticket. Clients can obtain a full ticket refund up until two days before the performance. Contact (800) 334-8457 for information and bookings; www.theatredirect.com.Discover New York With Kitt Garrett specializes in tailor-made learning programs for corporate and leisure visitors. Gothic Manhattan on the Hudson is a tour of about four hours that visits the world's largest cathedral, the Cathedral of St. John the Divine; Riverside Church, John D. Rockefeller's gift to New York, including a climb to the carillon for a panorama of the Hudson, Harlem and Columbia University, and the Cloisters, a branch of the Metropolitan Museum of Art that houses medieval treasures, including the fabulous Unicorn Tapestries. Cost for a group of at least 20: $177.25 net, per person. Contact (212) 750-5944; fax (212) 644-9111; discnykginc@mindspringcom.New York Apple Tours has added a Wednesday morning departure to its Harlem Gospel Express Tour, which traditionally has operated on Sunday mornings. The operator also added a half-hourescorted walking tour to the program that includes such Harlem highlights as the Apollo Theater, the shops on 125th Street and the Malcolm Shabazz Market. The basic tour includes a visit to a historic Harlem church, a Gospel church service, a tour of uptown Manhattan highlights and unlimited hop-on/hop-off sightseeing on the operator's uptown tour loop for two consecutive days, for $39 per adult and $25 for children under 12. Call (800) 876-9868 for information; (212) 944-9200 for ticket sales, or (212) 512-0555 for group ticket sales; NYTours@aol.com.